Simulasi KPR BNI Rp 2 miliar Tenor 10 tahun
Hitung cicilan KPR BNI untuk pinjaman Rp 2 miliar dengan tenor 10 tahun. Pakai parameter rate card publik PT Bank Negara Indonesia (Persero) Tbk.
Data per 02-05-2026 · Sumber: Rate card publik BNI
Cicilan tahun fixed (3 tahun pertama)
Rp 21.458.340/bulan
Lalu cicilan estimasi tahun floating: Rp 24.416.327/bulan
Sesuaikan parameter
Simulasi memakai parameter BNI Griya. Silakan ubah angka di bawah untuk skenario Anda.
Pokok pinjaman
Rp 720.000.000
Uang muka (DP)
Rp 80.000.000 (10%)
Cicilan bulanan tahun fixed (3 tahun pertama)
Rp 5.787.920
Cicilan estimasi tahun floating (sisa 12 tahun)
Rp 7.113.301
Total bunga / margin dibayar
Rp 512.680.417
Total dibayar (pokok + bunga)
Rp 1.232.680.417
Lihat tabel amortization (180 bulan)
| Bulan | Cicilan | Pokok | Bunga | Sisa pokok | Fase |
|---|---|---|---|---|---|
| 1 | Rp 5.787.920 | Rp 2.637.920 | Rp 3.150.000 | Rp 717.362.080 | fixed |
| 2 | Rp 5.787.920 | Rp 2.649.460 | Rp 3.138.459 | Rp 714.712.620 | fixed |
| 3 | Rp 5.787.920 | Rp 2.661.052 | Rp 3.126.868 | Rp 712.051.568 | fixed |
| 4 | Rp 5.787.920 | Rp 2.672.694 | Rp 3.115.226 | Rp 709.378.874 | fixed |
| 5 | Rp 5.787.920 | Rp 2.684.387 | Rp 3.103.533 | Rp 706.694.487 | fixed |
| 6 | Rp 5.787.920 | Rp 2.696.131 | Rp 3.091.788 | Rp 703.998.356 | fixed |
| 7 | Rp 5.787.920 | Rp 2.707.927 | Rp 3.079.993 | Rp 701.290.429 | fixed |
| 8 | Rp 5.787.920 | Rp 2.719.774 | Rp 3.068.146 | Rp 698.570.655 | fixed |
| 9 | Rp 5.787.920 | Rp 2.731.673 | Rp 3.056.247 | Rp 695.838.982 | fixed |
| 10 | Rp 5.787.920 | Rp 2.743.624 | Rp 3.044.296 | Rp 693.095.358 | fixed |
| 11 | Rp 5.787.920 | Rp 2.755.627 | Rp 3.032.292 | Rp 690.339.731 | fixed |
| 12 | Rp 5.787.920 | Rp 2.767.683 | Rp 3.020.236 | Rp 687.572.048 | fixed |
| 13 | Rp 5.787.920 | Rp 2.779.792 | Rp 3.008.128 | Rp 684.792.256 | fixed |
| 14 | Rp 5.787.920 | Rp 2.791.953 | Rp 2.995.966 | Rp 682.000.303 | fixed |
| 15 | Rp 5.787.920 | Rp 2.804.168 | Rp 2.983.751 | Rp 679.196.134 | fixed |
| 16 | Rp 5.787.920 | Rp 2.816.436 | Rp 2.971.483 | Rp 676.379.698 | fixed |
| 17 | Rp 5.787.920 | Rp 2.828.758 | Rp 2.959.161 | Rp 673.550.940 | fixed |
| 18 | Rp 5.787.920 | Rp 2.841.134 | Rp 2.946.785 | Rp 670.709.805 | fixed |
| 19 | Rp 5.787.920 | Rp 2.853.564 | Rp 2.934.355 | Rp 667.856.241 | fixed |
| 20 | Rp 5.787.920 | Rp 2.866.048 | Rp 2.921.871 | Rp 664.990.193 | fixed |
| 21 | Rp 5.787.920 | Rp 2.878.587 | Rp 2.909.332 | Rp 662.111.605 | fixed |
| 22 | Rp 5.787.920 | Rp 2.891.181 | Rp 2.896.738 | Rp 659.220.424 | fixed |
| 23 | Rp 5.787.920 | Rp 2.903.830 | Rp 2.884.089 | Rp 656.316.594 | fixed |
| 24 | Rp 5.787.920 | Rp 2.916.534 | Rp 2.871.385 | Rp 653.400.059 | fixed |
| 25 | Rp 5.787.920 | Rp 2.929.294 | Rp 2.858.625 | Rp 650.470.765 | fixed |
| 26 | Rp 5.787.920 | Rp 2.942.110 | Rp 2.845.810 | Rp 647.528.655 | fixed |
| 27 | Rp 5.787.920 | Rp 2.954.982 | Rp 2.832.938 | Rp 644.573.673 | fixed |
| 28 | Rp 5.787.920 | Rp 2.967.910 | Rp 2.820.010 | Rp 641.605.764 | fixed |
| 29 | Rp 5.787.920 | Rp 2.980.894 | Rp 2.807.025 | Rp 638.624.869 | fixed |
| 30 | Rp 5.787.920 | Rp 2.993.936 | Rp 2.793.984 | Rp 635.630.934 | fixed |
| 31 | Rp 5.787.920 | Rp 3.007.034 | Rp 2.780.885 | Rp 632.623.899 | fixed |
| 32 | Rp 5.787.920 | Rp 3.020.190 | Rp 2.767.730 | Rp 629.603.709 | fixed |
| 33 | Rp 5.787.920 | Rp 3.033.403 | Rp 2.754.516 | Rp 626.570.306 | fixed |
| 34 | Rp 5.787.920 | Rp 3.046.674 | Rp 2.741.245 | Rp 623.523.632 | fixed |
| 35 | Rp 5.787.920 | Rp 3.060.004 | Rp 2.727.916 | Rp 620.463.628 | fixed |
| 36 | Rp 5.787.920 | Rp 3.073.391 | Rp 2.714.528 | Rp 617.390.237 | fixed |
| 37 | Rp 7.113.301 | Rp 2.354.251 | Rp 4.759.050 | Rp 615.035.986 | floating |
| 38 | Rp 7.113.301 | Rp 2.372.398 | Rp 4.740.902 | Rp 612.663.587 | floating |
| 39 | Rp 7.113.301 | Rp 2.390.686 | Rp 4.722.615 | Rp 610.272.902 | floating |
| 40 | Rp 7.113.301 | Rp 2.409.114 | Rp 4.704.187 | Rp 607.863.788 | floating |
| 41 | Rp 7.113.301 | Rp 2.427.684 | Rp 4.685.617 | Rp 605.436.104 | floating |
| 42 | Rp 7.113.301 | Rp 2.446.397 | Rp 4.666.903 | Rp 602.989.706 | floating |
| 43 | Rp 7.113.301 | Rp 2.465.255 | Rp 4.648.046 | Rp 600.524.451 | floating |
| 44 | Rp 7.113.301 | Rp 2.484.258 | Rp 4.629.043 | Rp 598.040.193 | floating |
| 45 | Rp 7.113.301 | Rp 2.503.408 | Rp 4.609.893 | Rp 595.536.785 | floating |
| 46 | Rp 7.113.301 | Rp 2.522.705 | Rp 4.590.596 | Rp 593.014.081 | floating |
| 47 | Rp 7.113.301 | Rp 2.542.151 | Rp 4.571.150 | Rp 590.471.930 | floating |
| 48 | Rp 7.113.301 | Rp 2.561.746 | Rp 4.551.554 | Rp 587.910.184 | floating |
| 49 | Rp 7.113.301 | Rp 2.581.493 | Rp 4.531.808 | Rp 585.328.691 | floating |
| 50 | Rp 7.113.301 | Rp 2.601.392 | Rp 4.511.909 | Rp 582.727.299 | floating |
| 51 | Rp 7.113.301 | Rp 2.621.445 | Rp 4.491.856 | Rp 580.105.854 | floating |
| 52 | Rp 7.113.301 | Rp 2.641.651 | Rp 4.471.649 | Rp 577.464.202 | floating |
| 53 | Rp 7.113.301 | Rp 2.662.014 | Rp 4.451.287 | Rp 574.802.188 | floating |
| 54 | Rp 7.113.301 | Rp 2.682.534 | Rp 4.430.767 | Rp 572.119.654 | floating |
| 55 | Rp 7.113.301 | Rp 2.703.212 | Rp 4.410.089 | Rp 569.416.443 | floating |
| 56 | Rp 7.113.301 | Rp 2.724.049 | Rp 4.389.252 | Rp 566.692.394 | floating |
| 57 | Rp 7.113.301 | Rp 2.745.047 | Rp 4.368.254 | Rp 563.947.347 | floating |
| 58 | Rp 7.113.301 | Rp 2.766.207 | Rp 4.347.094 | Rp 561.181.140 | floating |
| 59 | Rp 7.113.301 | Rp 2.787.529 | Rp 4.325.771 | Rp 558.393.610 | floating |
| 60 | Rp 7.113.301 | Rp 2.809.017 | Rp 4.304.284 | Rp 555.584.594 | floating |
| 61 | Rp 7.113.301 | Rp 2.830.670 | Rp 4.282.631 | Rp 552.753.924 | floating |
| 62 | Rp 7.113.301 | Rp 2.852.489 | Rp 4.260.811 | Rp 549.901.435 | floating |
| 63 | Rp 7.113.301 | Rp 2.874.477 | Rp 4.238.824 | Rp 547.026.958 | floating |
| 64 | Rp 7.113.301 | Rp 2.896.635 | Rp 4.216.666 | Rp 544.130.323 | floating |
| 65 | Rp 7.113.301 | Rp 2.918.963 | Rp 4.194.338 | Rp 541.211.360 | floating |
| 66 | Rp 7.113.301 | Rp 2.941.463 | Rp 4.171.838 | Rp 538.269.897 | floating |
| 67 | Rp 7.113.301 | Rp 2.964.137 | Rp 4.149.164 | Rp 535.305.760 | floating |
| 68 | Rp 7.113.301 | Rp 2.986.986 | Rp 4.126.315 | Rp 532.318.774 | floating |
| 69 | Rp 7.113.301 | Rp 3.010.010 | Rp 4.103.291 | Rp 529.308.764 | floating |
| 70 | Rp 7.113.301 | Rp 3.033.212 | Rp 4.080.088 | Rp 526.275.552 | floating |
| 71 | Rp 7.113.301 | Rp 3.056.593 | Rp 4.056.707 | Rp 523.218.958 | floating |
| 72 | Rp 7.113.301 | Rp 3.080.155 | Rp 4.033.146 | Rp 520.138.804 | floating |
| 73 | Rp 7.113.301 | Rp 3.103.898 | Rp 4.009.403 | Rp 517.034.906 | floating |
| 74 | Rp 7.113.301 | Rp 3.127.823 | Rp 3.985.477 | Rp 513.907.083 | floating |
| 75 | Rp 7.113.301 | Rp 3.151.934 | Rp 3.961.367 | Rp 510.755.149 | floating |
| 76 | Rp 7.113.301 | Rp 3.176.230 | Rp 3.937.071 | Rp 507.578.919 | floating |
| 77 | Rp 7.113.301 | Rp 3.200.713 | Rp 3.912.588 | Rp 504.378.206 | floating |
| 78 | Rp 7.113.301 | Rp 3.225.385 | Rp 3.887.915 | Rp 501.152.821 | floating |
| 79 | Rp 7.113.301 | Rp 3.250.248 | Rp 3.863.053 | Rp 497.902.573 | floating |
| 80 | Rp 7.113.301 | Rp 3.275.302 | Rp 3.837.999 | Rp 494.627.271 | floating |
| 81 | Rp 7.113.301 | Rp 3.300.549 | Rp 3.812.752 | Rp 491.326.722 | floating |
| 82 | Rp 7.113.301 | Rp 3.325.991 | Rp 3.787.310 | Rp 488.000.732 | floating |
| 83 | Rp 7.113.301 | Rp 3.351.628 | Rp 3.761.672 | Rp 484.649.103 | floating |
| 84 | Rp 7.113.301 | Rp 3.377.464 | Rp 3.735.837 | Rp 481.271.639 | floating |
| 85 | Rp 7.113.301 | Rp 3.403.499 | Rp 3.709.802 | Rp 477.868.141 | floating |
| 86 | Rp 7.113.301 | Rp 3.429.734 | Rp 3.683.567 | Rp 474.438.407 | floating |
| 87 | Rp 7.113.301 | Rp 3.456.171 | Rp 3.657.129 | Rp 470.982.235 | floating |
| 88 | Rp 7.113.301 | Rp 3.482.813 | Rp 3.630.488 | Rp 467.499.423 | floating |
| 89 | Rp 7.113.301 | Rp 3.509.659 | Rp 3.603.641 | Rp 463.989.763 | floating |
| 90 | Rp 7.113.301 | Rp 3.536.713 | Rp 3.576.588 | Rp 460.453.050 | floating |
| 91 | Rp 7.113.301 | Rp 3.563.975 | Rp 3.549.326 | Rp 456.889.075 | floating |
| 92 | Rp 7.113.301 | Rp 3.591.447 | Rp 3.521.853 | Rp 453.297.627 | floating |
| 93 | Rp 7.113.301 | Rp 3.619.132 | Rp 3.494.169 | Rp 449.678.496 | floating |
| 94 | Rp 7.113.301 | Rp 3.647.029 | Rp 3.466.272 | Rp 446.031.467 | floating |
| 95 | Rp 7.113.301 | Rp 3.675.142 | Rp 3.438.159 | Rp 442.356.325 | floating |
| 96 | Rp 7.113.301 | Rp 3.703.471 | Rp 3.409.830 | Rp 438.652.854 | floating |
| 97 | Rp 7.113.301 | Rp 3.732.018 | Rp 3.381.282 | Rp 434.920.836 | floating |
| 98 | Rp 7.113.301 | Rp 3.760.786 | Rp 3.352.515 | Rp 431.160.050 | floating |
| 99 | Rp 7.113.301 | Rp 3.789.775 | Rp 3.323.525 | Rp 427.370.275 | floating |
| 100 | Rp 7.113.301 | Rp 3.818.988 | Rp 3.294.313 | Rp 423.551.286 | floating |
| 101 | Rp 7.113.301 | Rp 3.848.426 | Rp 3.264.874 | Rp 419.702.860 | floating |
| 102 | Rp 7.113.301 | Rp 3.878.091 | Rp 3.235.210 | Rp 415.824.769 | floating |
| 103 | Rp 7.113.301 | Rp 3.907.985 | Rp 3.205.316 | Rp 411.916.784 | floating |
| 104 | Rp 7.113.301 | Rp 3.938.109 | Rp 3.175.192 | Rp 407.978.675 | floating |
| 105 | Rp 7.113.301 | Rp 3.968.465 | Rp 3.144.836 | Rp 404.010.210 | floating |
| 106 | Rp 7.113.301 | Rp 3.999.055 | Rp 3.114.245 | Rp 400.011.155 | floating |
| 107 | Rp 7.113.301 | Rp 4.029.881 | Rp 3.083.419 | Rp 395.981.273 | floating |
| 108 | Rp 7.113.301 | Rp 4.060.945 | Rp 3.052.356 | Rp 391.920.328 | floating |
| 109 | Rp 7.113.301 | Rp 4.092.248 | Rp 3.021.053 | Rp 387.828.080 | floating |
| 110 | Rp 7.113.301 | Rp 4.123.793 | Rp 2.989.508 | Rp 383.704.287 | floating |
| 111 | Rp 7.113.301 | Rp 4.155.580 | Rp 2.957.721 | Rp 379.548.707 | floating |
| 112 | Rp 7.113.301 | Rp 4.187.613 | Rp 2.925.688 | Rp 375.361.094 | floating |
| 113 | Rp 7.113.301 | Rp 4.219.892 | Rp 2.893.408 | Rp 371.141.202 | floating |
| 114 | Rp 7.113.301 | Rp 4.252.421 | Rp 2.860.880 | Rp 366.888.781 | floating |
| 115 | Rp 7.113.301 | Rp 4.285.200 | Rp 2.828.101 | Rp 362.603.581 | floating |
| 116 | Rp 7.113.301 | Rp 4.318.232 | Rp 2.795.069 | Rp 358.285.350 | floating |
| 117 | Rp 7.113.301 | Rp 4.351.518 | Rp 2.761.783 | Rp 353.933.832 | floating |
| 118 | Rp 7.113.301 | Rp 4.385.061 | Rp 2.728.240 | Rp 349.548.771 | floating |
| 119 | Rp 7.113.301 | Rp 4.418.862 | Rp 2.694.438 | Rp 345.129.909 | floating |
| 120 | Rp 7.113.301 | Rp 4.452.924 | Rp 2.660.376 | Rp 340.676.984 | floating |
| 121 | Rp 7.113.301 | Rp 4.487.249 | Rp 2.626.052 | Rp 336.189.735 | floating |
| 122 | Rp 7.113.301 | Rp 4.521.838 | Rp 2.591.463 | Rp 331.667.897 | floating |
| 123 | Rp 7.113.301 | Rp 4.556.694 | Rp 2.556.607 | Rp 327.111.203 | floating |
| 124 | Rp 7.113.301 | Rp 4.591.819 | Rp 2.521.482 | Rp 322.519.384 | floating |
| 125 | Rp 7.113.301 | Rp 4.627.214 | Rp 2.486.087 | Rp 317.892.170 | floating |
| 126 | Rp 7.113.301 | Rp 4.662.882 | Rp 2.450.419 | Rp 313.229.288 | floating |
| 127 | Rp 7.113.301 | Rp 4.698.825 | Rp 2.414.476 | Rp 308.530.463 | floating |
| 128 | Rp 7.113.301 | Rp 4.735.045 | Rp 2.378.256 | Rp 303.795.418 | floating |
| 129 | Rp 7.113.301 | Rp 4.771.544 | Rp 2.341.756 | Rp 299.023.874 | floating |
| 130 | Rp 7.113.301 | Rp 4.808.325 | Rp 2.304.976 | Rp 294.215.549 | floating |
| 131 | Rp 7.113.301 | Rp 4.845.389 | Rp 2.267.912 | Rp 289.370.160 | floating |
| 132 | Rp 7.113.301 | Rp 4.882.739 | Rp 2.230.562 | Rp 284.487.420 | floating |
| 133 | Rp 7.113.301 | Rp 4.920.377 | Rp 2.192.924 | Rp 279.567.044 | floating |
| 134 | Rp 7.113.301 | Rp 4.958.305 | Rp 2.154.996 | Rp 274.608.739 | floating |
| 135 | Rp 7.113.301 | Rp 4.996.525 | Rp 2.116.776 | Rp 269.612.214 | floating |
| 136 | Rp 7.113.301 | Rp 5.035.040 | Rp 2.078.261 | Rp 264.577.174 | floating |
| 137 | Rp 7.113.301 | Rp 5.073.852 | Rp 2.039.449 | Rp 259.503.322 | floating |
| 138 | Rp 7.113.301 | Rp 5.112.963 | Rp 2.000.338 | Rp 254.390.359 | floating |
| 139 | Rp 7.113.301 | Rp 5.152.375 | Rp 1.960.926 | Rp 249.237.984 | floating |
| 140 | Rp 7.113.301 | Rp 5.192.091 | Rp 1.921.209 | Rp 244.045.893 | floating |
| 141 | Rp 7.113.301 | Rp 5.232.114 | Rp 1.881.187 | Rp 238.813.779 | floating |
| 142 | Rp 7.113.301 | Rp 5.272.445 | Rp 1.840.856 | Rp 233.541.335 | floating |
| 143 | Rp 7.113.301 | Rp 5.313.086 | Rp 1.800.214 | Rp 228.228.248 | floating |
| 144 | Rp 7.113.301 | Rp 5.354.041 | Rp 1.759.259 | Rp 222.874.207 | floating |
| 145 | Rp 7.113.301 | Rp 5.395.312 | Rp 1.717.989 | Rp 217.478.895 | floating |
| 146 | Rp 7.113.301 | Rp 5.436.901 | Rp 1.676.400 | Rp 212.041.994 | floating |
| 147 | Rp 7.113.301 | Rp 5.478.810 | Rp 1.634.490 | Rp 206.563.183 | floating |
| 148 | Rp 7.113.301 | Rp 5.521.043 | Rp 1.592.258 | Rp 201.042.140 | floating |
| 149 | Rp 7.113.301 | Rp 5.563.601 | Rp 1.549.700 | Rp 195.478.539 | floating |
| 150 | Rp 7.113.301 | Rp 5.606.487 | Rp 1.506.814 | Rp 189.872.052 | floating |
| 151 | Rp 7.113.301 | Rp 5.649.704 | Rp 1.463.597 | Rp 184.222.349 | floating |
| 152 | Rp 7.113.301 | Rp 5.693.254 | Rp 1.420.047 | Rp 178.529.095 | floating |
| 153 | Rp 7.113.301 | Rp 5.737.139 | Rp 1.376.162 | Rp 172.791.956 | floating |
| 154 | Rp 7.113.301 | Rp 5.781.363 | Rp 1.331.938 | Rp 167.010.593 | floating |
| 155 | Rp 7.113.301 | Rp 5.825.927 | Rp 1.287.373 | Rp 161.184.666 | floating |
| 156 | Rp 7.113.301 | Rp 5.870.836 | Rp 1.242.465 | Rp 155.313.830 | floating |
| 157 | Rp 7.113.301 | Rp 5.916.090 | Rp 1.197.211 | Rp 149.397.740 | floating |
| 158 | Rp 7.113.301 | Rp 5.961.693 | Rp 1.151.608 | Rp 143.436.047 | floating |
| 159 | Rp 7.113.301 | Rp 6.007.648 | Rp 1.105.653 | Rp 137.428.399 | floating |
| 160 | Rp 7.113.301 | Rp 6.053.957 | Rp 1.059.344 | Rp 131.374.442 | floating |
| 161 | Rp 7.113.301 | Rp 6.100.623 | Rp 1.012.678 | Rp 125.273.820 | floating |
| 162 | Rp 7.113.301 | Rp 6.147.648 | Rp 965.652 | Rp 119.126.171 | floating |
| 163 | Rp 7.113.301 | Rp 6.195.037 | Rp 918.264 | Rp 112.931.135 | floating |
| 164 | Rp 7.113.301 | Rp 6.242.790 | Rp 870.511 | Rp 106.688.345 | floating |
| 165 | Rp 7.113.301 | Rp 6.290.911 | Rp 822.389 | Rp 100.397.433 | floating |
| 166 | Rp 7.113.301 | Rp 6.339.404 | Rp 773.897 | Rp 94.058.029 | floating |
| 167 | Rp 7.113.301 | Rp 6.388.270 | Rp 725.031 | Rp 87.669.759 | floating |
| 168 | Rp 7.113.301 | Rp 6.437.513 | Rp 675.788 | Rp 81.232.246 | floating |
| 169 | Rp 7.113.301 | Rp 6.487.136 | Rp 626.165 | Rp 74.745.111 | floating |
| 170 | Rp 7.113.301 | Rp 6.537.141 | Rp 576.160 | Rp 68.207.970 | floating |
| 171 | Rp 7.113.301 | Rp 6.587.531 | Rp 525.770 | Rp 61.620.439 | floating |
| 172 | Rp 7.113.301 | Rp 6.638.310 | Rp 474.991 | Rp 54.982.129 | floating |
| 173 | Rp 7.113.301 | Rp 6.689.480 | Rp 423.821 | Rp 48.292.649 | floating |
| 174 | Rp 7.113.301 | Rp 6.741.045 | Rp 372.256 | Rp 41.551.604 | floating |
| 175 | Rp 7.113.301 | Rp 6.793.007 | Rp 320.294 | Rp 34.758.597 | floating |
| 176 | Rp 7.113.301 | Rp 6.845.370 | Rp 267.931 | Rp 27.913.227 | floating |
| 177 | Rp 7.113.301 | Rp 6.898.136 | Rp 215.164 | Rp 21.015.090 | floating |
| 178 | Rp 7.113.301 | Rp 6.951.309 | Rp 161.991 | Rp 14.063.781 | floating |
| 179 | Rp 7.113.301 | Rp 7.004.892 | Rp 108.408 | Rp 7.058.889 | floating |
| 180 | Rp 7.113.301 | Rp 7.058.889 | Rp 54.412 | Rp 0 | floating |
Estimasi, bukan penawaran resmi. Bunga floating aktual ditentukan kebijakan bank (mengacu BI 7-Day Repo Rate + margin) dan dapat berubah. Cicilan aktual juga dapat berbeda akibat kebijakan asuransi jiwa, asuransi kebakaran, dan biaya-biaya lain yang dimasukkan ke cicilan. Konfirmasi ke bank untuk angka final.
Detail breakdown KPR BNI Rp 2 miliar 10 tahun
| Pokok pinjaman | Rp 2.000.000.000 |
| Bunga fixed | 5,25% selama 3 tahun |
| Bunga floating estimasi | 9,25% |
| Tenor total | 10 tahun (120 bulan) |
| Cicilan tahun fixed | Rp 21.458.340/bulan |
| Cicilan estimasi tahun floating | Rp 24.416.327/bulan |
| Total bunga sepanjang tenor | Rp 823.471.738 |
| Total dibayar | Rp 2.823.471.738 |
Pertimbangan untuk pinjaman Rp 2 miliar
Pinjaman Rp 2 miliar dengan tenor 10 tahun cocok untuk pasangan atau keluarga dengan penghasilan minimum sekitar Rp 64.375.021/bulan (rule of thumb: cicilan ≤ 33% penghasilan). Pertimbangkan:
- DP lebih besar mengurangi pokok dan total bunga. Naik dari 10% ke 20% untuk rumah Rp 2.500.000.000 bisa menghemat sekitar Rp 82.347.174 total bunga.
- Tenor lebih pendek = cicilan lebih berat tapi total bunga lebih kecil. Tenor 10 tahun bisa hemat ~30-40% total bunga vs tenor 20 tahun.
- Pertimbangkan pelunasan dipercepat di tahun fixed bila ada bonus/THR. Sebagian bank gratis penalti pelunasan setelah masa fixed.
- Bandingkan dengan bank lain sebelum putuskan—lihat link di bawah.
Tentang KPR BNI
BNI Griya adalah produk KPR PT Bank Negara Indonesia (Persero) Tbk dengan skema fixed-floating standar perbankan Indonesia. Sumber rate card: https://www.bni.co.id/id-id/personal/kredit/bnigriya.
Pertanyaan yang sering diajukan
Berapa cicilan KPR BNI Rp 2 miliar 10 tahun?
Untuk pinjaman Rp 2 miliar dengan tenor 10 tahun, cicilan tahun fixed (3 tahun pertama, bunga 5.25%) sekitar Rp 21.458.340. Setelah masa fixed, cicilan estimasi Rp 24.416.327 dengan bunga floating ~9.25%.
Berapa total bunga yang dibayar untuk KPR Rp 2 miliar 10 tahun di BNI?
Total bunga estimasi sekitar Rp 823.471.738 sepanjang tenor 10 tahun. Total dibayar (pokok + bunga) sekitar Rp 2.823.471.738. Bunga floating bisa berubah mengikuti BI 7DRR + margin bank.
Berapa minimum DP KPR BNI?
BNI mensyaratkan DP minimum 10% dari harga rumah. Bank Indonesia mengatur LTV maksimum berdasarkan profil nasabah; DP aktual yang disetujui bisa berbeda.
Apakah angka ini final?
Bukan. Estimasi berdasarkan rate card publik PT Bank Negara Indonesia (Persero) Tbk per 02-05-2026. Angka aktual berbeda berdasarkan profil kredit, promo, asuransi jiwa & kebakaran yang masuk ke cicilan, dan biaya provisi/admin/appraisal yang dibayar di awal. Konfirmasi ke BNI untuk penawaran resmi.
Bandingkan dengan bank lain (Rp 2 miliar 10 tahun)
- Simulasi KPR BCA Rp 2 miliar 10 tahun (fixed 4.69%)
- Simulasi KPR Mandiri Rp 2 miliar 10 tahun (fixed 4.99%)
- Simulasi KPR BRI Rp 2 miliar 10 tahun (fixed 5.5%)
- Simulasi KPR BTN Rp 2 miliar 10 tahun (fixed 5%)
- Simulasi KPR BSI Rp 2 miliar 10 tahun (fixed 6.5%)
Skenario lain BNI
- KPR BNI Rp 200 juta tenor 10 tahun
- KPR BNI Rp 300 juta tenor 10 tahun
- KPR BNI Rp 500 juta tenor 10 tahun
- KPR BNI Rp 750 juta tenor 10 tahun
- KPR BNI Rp 2 miliar tenor 5 tahun
- KPR BNI Rp 2 miliar tenor 15 tahun
- KPR BNI Rp 2 miliar tenor 20 tahun
Kalkulator terkait
© 2026 HitungUang. Estimasi berdasarkan rate card publik per 02-05-2026. Bukan penawaran resmi BNI. Sumber dasar perhitungan: OJK Buku Saku KPR + POJK 17/POJK.03/2014.